BlastPoint's Credit Union Scorecard
ROCKET
Charter #9799 · TX
ROCKET has 1 strength but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.65% above tier average
Key Concerns
Areas that may need attention
- - ROA 1.40% below tier average
- - Efficiency ratio 12.12% above tier (higher cost structure)
- - Delinquency rate 0.86% above tier average
- - Member decline: -5.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 239 that size in Texas.
- Shares and deposits -4.0% year over year ($24.9M in shares and deposits).
- Membership: 2,880 members, -5.1% vs a year ago.
- Delinquency rate 2.40%.
- Return on assets 0.09%.
- Efficiency ratio 100.88% vs a 88.77% peer average.
- Loan-to-share ratio 85.92% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,880
-5.1% YoY-1.8% QoQ
|
+294 |
2,585
-1.7% YoY
|
27,284
+2.5% YoY
|
34,678
+6.6% YoY
|
66% |
| Assets |
$28.3M
-4.3% YoY-3.4% QoQ
|
$-2.0M |
$30.3M
+1.5% YoY
|
$429.8M
+5.9% YoY
|
$593.1M
+10.2% YoY
|
58% |
| Loans |
$21.4M
-3.2% YoY+1.7% QoQ
|
+$5.9M |
$15.5M
-1.7% YoY
|
$305.6M
+4.5% YoY
|
$418.6M
+10.1% YoY
|
73% |
| Deposits |
$24.9M
-4.0% YoY-3.7% QoQ
|
$-902K |
$25.8M
+1.1% YoY
|
$357.0M
+5.3% YoY
|
$504.8M
+10.3% YoY
|
59% |
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| ROA |
0.1%
+59.8% QoQ
|
-1.4% |
1.5%
+241.5% YoY
|
1.4%
-298.3% YoY
|
1.2%
+121.4% YoY
|
Bottom 5.8% in tier |
| NIM |
4.5%
+25.2% YoY+2.3% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.9%
+2.6% YoY
|
3.8%
+2.3% YoY
|
77% |
| Efficiency Ratio |
100.9%
-1.5% YoY+3.5% QoQ
|
+12.1% |
88.8%
-6.9% YoY
|
89.3%
-7.8% YoY
|
83.0%
-5.3% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
2.4%
+206.0% YoY-2.7% QoQ
|
+0.9 |
1.5%
+2.1% YoY
|
1.3%
+10.3% YoY
|
1.3%
+2.6% YoY
|
83% |
| Loan To Share |
85.9%
+0.9% YoY+5.6% QoQ
|
+27.0% |
58.9%
-3.1% YoY
|
70.0%
-2.3% YoY
|
66.4%
-1.4% YoY
|
Top 13.1% in tier |
| AMR |
$16,074
+1.6% YoY+0.6% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$17,919
+2.5% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
17.3%
+10.0% YoY+5.2% QoQ
|
-7.3% | 24.6% | 21.6% | 20.0% | 50% |
| Indirect Auto % |
1.3%
-28.1% YoY-12.0% QoQ
|
-12.4% | 13.6% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)